Benevolence

Banking on God: Crisis, Part 3

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Is it hot in here or is it just me?In the last couple days, I’ve looked at some problems the Church in America faces in addressing financial crises. I’ve also dissected your poll responses on this issue, too.

Before I sum up what I think the Church here needs to do to survive down times, I’d like to open that question up to reader responses.

Given what I’ve discussed and the questions I asked in my last post, what suggestions would you make to leaders in the American Church (and your own church in particular) to help the Church survive and even thrive during an economic meltdown. And should that meltdown take us into tribulation, what strategies should the Church adopt to stand firm?

Thanks in advance for your ideas. I’ll share mine in the next post.

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Banking On God: Series Compendium

Banking on God: Crisis, Part 1

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Woe unto the grasshopper!That I’m still under the weather makes today’s post all the more apt. Feeling lousy may be a state many of us will better understand in the days ahead.

The fifth largest investment bank in the United States collapsed Monday. Please read that again.

Now read this: 60,000 homes in my state of Ohio are in the process of foreclosure as of last quarter. That’s the worst in the nation.

When I first read a nondescript, well-hidden article in The Wall Street Journal last May concerning problems in the sub-prime mortgage industry, I told my wife, “This is it. The ripples are going to be devastating.”

Long-time readers of Cerulean Sanctum know that this is one of the few Christian blogs out of thousands that talks about economic issues facing the Church in America. I’m no prophet, but it didn’t take a seer to read the handwriting on the last recession’s wall. My church’s number one prayer request was for meaningful work. Number one. Sadly, many of those who lost jobs in the last recession could not find jobs that paid as well as the ones they lost. This is a serious concern that many people, including economists, ignored.

The chance that we would suffer another economic meltdown worse than the one that hurt us for nearly five years seemed lost on all the stampeding bulls when the US economy supposedly turned the corner sometime in 2004-2005. Sadly, though, that corner turn didn’t trickle down to many people. Every economic survey known to man showed that real wages only improved during the last “rebound” for those in the top one or two percent of wage-earners. The rest of us could not keep pace with inflation. But those dour, yet real, numbers got lost in the giddiness over the fact that the ultra-rich got ultra-richer, and their continued ultra-richness drove up all the positive economic figures disproportionately.

Now the greed of many of those ultra-rich, particularly those who drove ludicrous speculation in investment sectors, is threatening the entire world economy.

Once again, the question must be asked: How has the Church prepared for any of this?

Perhaps this poll figure will show us:

[poll=35]

Answer? Not at all, it seems. Once again, we’ve been caught napping.

And this is patently sad, as I see it. One can’t read the Bible and not note that God blesses people who are prepared. Imagine a world where Noah failed to build the ark. Think on Joseph ignoring God’s counsel, leading to an Egypt ill-equipped to handle seven years of famine. Scratch those and there is no story of salvation, folks. The world grinds to a wet, watery end. Or it starves to death.

So which of our churches stored up for seven years of famine during the few years of “plenty” we supposedly just experienced? Just two percent by the poll responses. As far as I see it, every “unknown” response might as well be a “false,” because if it’s not obvious we’re preparing (and our preachers aren’t talking about it), then we haven’t been.

[poll=39]

Half of us said we could help a family in need up to a month’s worth of groceries. I figure that’s good for a one-time gift of $200-$300.

My concern here, though, is whether this will be enough when the need moves from being a lone family in your church and mine to dozens. Or in the case of some megachurches, hundreds.

[poll=38]

While it looks as if this poll shows a drop in what respondents thought would be the largess of their church versus what they would give themselves, it balances out because some believed their churches would handle more expensive needs. That’s a positive answer. Let’s all pray that it reflects reality.

[poll=37]

The last recession lasted three to five years, depending on which economists you read. The news for this poll question, though, deals with the increasing length of time it takes job searchers to find decent jobs lost during an economic downturn.

On average, the last recession saw the unemployed enduring ten months of nada before finding replacement work. Considering that most unemployment payments end after six months, it’s a four month shortfall on income. That’s all that half the respondents had set aside. God help us if things should be worse this recession.

About five years ago, I sat in a church amid 2,500 or so people and raised my hand when the pastor asked how many had at least six months income set aside. I looked around that massive auditorium filled with people and a grand total of six hands were raised. My wife and I counted for two of those hands.

This was not a throwaway poll by that pastor, either. He beseeched people to be honest. What was most scary was I would deem the majority of people sitting in that church that night to be middle to upper-middle class. These weren’t poor people already scraping by, but the ones who should know better.

How is it that we are not better savers? Why is the savings rate in this country in the negative numbers? I was playing a trivia game a couple weeks ago and a question asked, “What percentage of Americans spend more in a year than they earn in wages?” I guessed around 30 percent. The answer? Closer to 75.

Yeah, you read that right.

Folks, we Christians need to be better prepared than that and far more serious about money than we appear to be.

[poll=41]

If this answer were truly the case, then why are our churches unprepared to take care of people, both members and outsiders, if and when the economy tanks?

[poll=42]

A CNN poll today said that three out of four people believe we’re in a recession. I wonder what the poll above would show today versus three weeks ago if I re-ran it.

[poll=40]

In the church finances poll, most respondents said that staff salaries comprised the largest chunk of financial outlay for their churches. Fortunately, clergy positions are exempt from payroll taxes. Same for property taxes for churches.

Now imagine if those were removed on a church on thirty acres of land that had a dozen exempt-clergy positions. That’s a mighty big resulting ouch.

I would not be surprised if in my lifetime churches lost their tax exemption. Increasingly, city governments are fighting harder to keep churches out of any area deemed business-worthy. Why? Because the locality can’t draw taxes from that church, and the church keeps one more business from locating on prime, taxable turf. You can bet that sooner or later someone, somewhere, is going to run the numbers on all that uncollected tax money and somebody’s not going to be happy with failing to get a cut.

This issue becomes even scarier when we realize that the Fed position on church tax exemption considers it a privilege rather than a right. A series of court rulings in the 1970s formalized that “privilege, not right” position legally. And what is labeled a privilege is typically taken away when it seems most expedient to do so. Like in a deep, protracted recession. Just the kind that economic experts at the University of Michigan claim we now face.

Wouldn’t it be dispiritingly ironic if the American Church lost its tax exemption in order for the government to fund social services the Church should’ve been handling anyway?

[poll=43]

Pascal’s Wager is a famous apologetic that states it is far wiser to believe that God exists than to bet that He does not and be forced to pay the consequences of His existing. In other words, if God doesn’t exist, then it doesn’t matter who believes in Him or not, the end of all humans is the same. But if He does exist (and particularly if the Bible establishes His rules for living), then those who don’t believe in Him are in one world of hurt when they die. Better then to believe in Him.

Describing the Church’s position on the End of All Things poses the same problem, except for Christians. It’s nearly impossible to gather a room of noted theologians and get them to agree on issues like the Rapture, the millennial reign of Christ, and the meaning of the symbols and events of Revelation. Eschatology divides more Christians than just about any other issue.

In that case, would it not behoove Christians to prepare for the worst possible end times scenario rather than the least? If so, the worst would be that the Church goes through the entire Great Tribulation. If the Church gets raptured out of here at the first sign of trouble, then great! We avoid the Great Tribulation altogether. But what if that’s not the way it works? (And no one thought it worked that way until the late 19th century, so what does that tell us?)

Where then is our preparation? How will our churches handle persecution? What alternative economic systems are church leaders developing so Christians can exist outside the corrupted world economic system? Have we identified people in our churches with specialized skills? Are we doing anything at all to weather even a few months of the storm? Anything?

We simply are not ready and have no excuse for our lack of preparedness.

[poll=44]

Almost a third of poll respondents said they believed that Jesus would return in the next 5 to 25 years. That’s a pretty astounding number, though not unusual. I believe that most Christians throughout history have believed that the Lord’s Second Advent would come in their lifetimes.

Still, if one person out of three believes this, where is the evidence of our preparation for His return? One out of ten of you believe Christ will not only return soon, but that the Church will persist through the Great Tribulation. Where then is the evidence that one church in ten is prepping for that reality?

What we say we believe and how we live that belief MUST align or else we deceive ourselves.

I don’t want to sound like a broken record here, but it’s hard not to see today’s Church in America as the grasshopper in Aesop’s tale. We need to be more like the ant—or should I say that we needed to be more like the ant. Because if winter is indeed already upon us, it’s going to be a brutal and savage cold like we’ve never experienced before.

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Banking On God: Series Compendium

Banking on God: Theology, Part 1

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Uncials & stuff—now we're getting serious!For Christians, where do our ideas on wealth and benevolence originate? Well, supposedly from the Bible.

But we tend to look at the Bible as chunks of passages, some of which we like, some of which we tolerate, and some of which we ignore altogether. Even in the most dedicated Bibliophile, a tendency exists to proclaim fealty to every word of Scripture, yet the backtracking starts the second a few contentious verses come up.

Few passages are more problematic for people than those with money-related insights. Sometimes it seems as if no two churches preach the same basis for their perspectives on wealth and benevolence.

Readers of this blog, though, tended to fall in line on this topic. Critics would say that this is due to self-selection in the polling process, as these polls can’t possibly be a truly random sampling of American Christendom. Though I would tend to agree with that complaint, I also know we get a pretty broad readership here, more so than some other blogs that strictly cater to one specific type of Christian denomination or philosophy.

Despite whatever sampling problems these polls might have, let’s look at the theology readers bring to the issue.

A reminder of the Bible passages quoted for the first few questions:

Deuteronomy 28:13 – “And the LORD will make you the head and not the tail, and you shall only go up and not down, if you obey the commandments of the LORD your God, which I command you today, being careful to do them….”

Psalms 1:1-3 – Blessed is the man who walks not in the counsel of the wicked, nor stands in the way of sinners, nor sits in the seat of scoffers; but his delight is in the law of the LORD, and on his law he meditates day and night. He is like a tree planted by streams of water that yields its fruit in its season, and its leaf does not wither. In all that he does, he prospers.

Proverbs 21:13 – Whoever closes his ear to the cry of the poor will himself call out and not be answered.

Malachi 3:10 – “Bring the full tithe into the storehouse, that there may be food in my house. And thereby put me to the test, says the LORD of hosts, if I will not open the windows of heaven for you and pour down for you a blessing until there is no more need.”

Matthew 6:31-33 – “Therefore do not be anxious, saying, ‘What shall we eat?’ or ‘What shall we drink?’ or ‘What shall we wear?’ For the Gentiles seek after all these things, and your heavenly Father knows that you need them all. But seek first the kingdom of God and his righteousness, and all these things will be added to you.”

Mark 11:23-24 – “Truly, I say to you, whoever says to this mountain, ‘Be taken up and thrown into the sea,’ and does not doubt in his heart, but believes that what he says will come to pass, it will be done for him. Therefore I tell you, whatever you ask in prayer, believe that you have received it, and it will be yours.”

Luke 18:24-25 – Jesus, seeing that [the rich young ruler] had become sad, said, “How difficult it is for those who have wealth to enter the kingdom of God! For it is easier for a camel to go through the eye of a needle than for a rich person to enter the kingdom of God.”

Acts 2:44-45 – And all who believed were together and had all things in common. And they were selling their possessions and belongings and distributing the proceeds to all, as any had need.

2 Corinthians 9:6-7 – The point is this: whoever sows sparingly will also reap sparingly, and whoever sows bountifully will also reap bountifully. Each one must give as he has decided in his heart, not reluctantly or under compulsion, for God loves a cheerful giver.

1 Timothy 6:10 – For the love of money is a root of all kinds of evils. It is through this craving that some have wandered away from the faith and pierced themselves with many pangs.

[poll=27]

All I can say here is that I’m not surprised by the results. The top three verses are heavily used by churches when justifying their perspective on giving. My only surprise is that the Deuteronomy passage (“Head, not the tail”) was not supported more. That’s a very Pentecostal perspective and I know a respectable number of Pentecostals read this blog.

Then again, the number of people taking these polls dropped by half by the time this poll ran, so perhaps some readers just got fed up with a week of polling!

[poll=26]

I found these responses to be interesting because it shows that readers are more aggressive and less structured in their giving than what their churches preach. The Malachi passage (“10 percent”) dropped here and the Acts passage (“Selling possessions and sharing wealth’) moved up. I think that’s a good thing. Considering how often I talk about going “all in” on this blog, I’m not surprised that readers tended to agree.

[poll=28]

I once blogged that the Mark passage (“Believe and it will be yours”) is the least-believed verse in the Bible, and eerily enough, you readers verified that my assessment may not be off the mark. (“Off the mark“—Ha! a pun!) The Acts passage, though more readers agreed that it was close to what they believed, was also hard for some to handle.

The Mark passage is tough, but I know I personally struggle even harder with the Psalms passage (“In all that he does, he prospers”) in my own life. I know a lot of good people who are struggling, some asking when that promised prosperity is going to show. That’s a tough call. I think of myself as a Psalm 1 kind of guy, but certainly not everything I’ve done prospers. Still trying to process that one in my own life. I guess a few others struggle with it, too.

[poll=29]

Interestingly, my previous unpacking of the poll on tithing had a lot of people agreeing with me in the comments that the temple tithing system had been completed in Jesus and was no longer binding, but a quick look here shows that a third of you disagreed. I’m wondering why the dissenters didn’t comment then on my follow-up post on tithing. Dissenters?

[poll=30]

Well, we’re on the same page regarding consumerism, that’s for sure. Same goes for neglecting the poor. Thanks for those answers. Fewer picked the prosperity gospel as a threat, but guess what? That’s what the second part of this analysis will address, seeing that a few other blogs have talked about prosperity teachings lately and their insidious effects on the American Church today.

But back to consumerism. It’s a form of idolatry, isn’t it? We’ve found a way to fill that classic “God-shaped hole” with whatever the hot new item at Apple or Target may be. Heck, don’t we all know at least one person who has purchased every incarnation of the iPod since the day of its first release? The gal who’s on her fourth digital camera? The guy who’s 30 and yet has owned six different computers in his life? Buy and discard. Lather, rinse, repeat.

And yet that consuming ideal has not only run our country into the ground in our quest for more cheap stuff that rusts and decays, but has been elevated to satisfy the ennui of the soul—if only from one great buy to the next.

Worse, our entire economy is geared to a frenzy of buying. When people finally wise up and scale back, it only damages our economy more, based as it is on a house of cards. Pull out a couple cards and the whole thing collapses. Or so it seems from the newspaper headlines. But I’ll talk about that in a few days, so hold on.

[poll=31]

Ah, Ben Franklin’s classic aphorism. Considered by some to be in the Bible. The “God can’t steer a parked car” passage.

Most of you said that was false, but almost a third said they either weren’t sure or thought ol’ Ben was right on target. I want to thank those of you who answered “True” or “Unknown” for your honesty. I think people struggle with this idea immensely. Everything in American culture tells us to pull ourselves up by our own bootstraps and grab for the gusto.

And while it may seem like that indeed works for a lot of people (I’m thinking Oprah. here), I’ve got to wonder if it’s the arm of flesh rather than the arm of the Lord. Waiting on God to work is a foreign concept to most of us. We want things in our time done our way (because if we want something done right, we have to do it ourselves). But I just can’t find that way of thinking in the Bible.

I’m willing to be corrected, though. If someone would please, and I mean this seriously, sketch out the Biblical support for “God helps those who help themselves,” I’ll be willing to listen and discuss it here. Because as that great theologian Tom Petty once wrote, “The waiting is the hardest part.”

[poll=32]

The Bible most definitely teaches that God is the one who makes a person rich or poor. A verse that comes to mind:

The LORD makes poor and makes rich; he brings low and he exalts.
—1 Samuel 2:7

And this is an interesting concept since God also commands us in hundreds of passages to take care of the poor. In fact, when we ignore the poor, it angers Him.

So what is going on here?

In the case of the Church, I believe that God makes rich and poor to reveal His glory. And He wishes to reveal that glory by using the Church. It is in the Church’s best interest to partner with God to raise the poor up so that they are rich. I think of the state of widows and orphans, two classes of people dear to God’s heart, and the impact the Church in Jerusalem had on their lives. They went from poor outcasts to having families, food, clothing, and shelter. If that’s not being raised up, I don’t know what is.

This goes hand in hand with Jesus’s response about a certain blind man:

And his disciples asked him, “Rabbi, who sinned, this man or his parents, that he was born blind?” Jesus answered, “It was not that this man sinned, or his parents, but that the works of God might be displayed in him. We must work the works of him who sent me while it is day; night is coming, when no one can work. As long as I am in the world, I am the light of the world.”
—John 9:2-5

Yes, God is in control. But He also wants us to bring things into alignment with His Kingdom. He may indeed bring a good man low, but He also charges the Church with raising that good man up again for His glory.

Too many of us are willing to sit back and do nothing, believing that what is exists because God has made it that way. And that may be true. However, is that state meant to be permanent? The rest of Scripture most definitely shows that God wants those who follow Him to act, to help change the person of lowly estate into one of abundance and riches. We have to understand this! God is glorified when the Church takes a bad situation and corrects it. In fact, God may have provided that bad situation as a learning tool for us. To make us work to bring light into darkness.

May we never be content with someone else’s suffering.

As that 1st Samuel passage concludes:

He raises up the poor from the dust; he lifts the needy from the ash heap to make them sit with princes and inherit a seat of honor. For the pillars of the earth are the LORD’s, and on them he has set the world.
—1 Samuel 2:8

And guess what? He uses us to accomplish that purpose!

[poll=33]

Your answers surprised me. A couple years back, I asked how many of you were taught to cast your bread upon the waters, so to speak, and most agreed. In other words, when you give, you get in return. Yet here very few said your church taught that idea of the multiplication of giving. Very intriguing. I’m not sure how to think about this.

The KJV has this:

I had fainted, unless I had believed to see the goodness of the LORD in the land of the living.
—Psalms 27:13

Do we believe that we will see the goodness of the Lord in the land of the living? Or will we have to wait to see it after we die? Most of you thought the latter.

I’d love to get some feedback from all sides on this particular answer. Why did you answer as you did?

[poll=34]

This last question showed that half of you thought your work impacted your walk with Christ positively. I believe that God blesses our work, so that’s good. Yet a little more than 1 in 6 of you thought it worked against your growth.

I would love to hear feedback from both sides of this answer. Why did you answer as you did?

So ends my first comments on the theology behind wealth and giving. My next post, as I mentioned, will look at prosperity gospel teachings and whether they are good or bad for the Church in America. My answers may surprise you, so stay tuned!

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Banking On God: Series Compendium